| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY RD STE 300 WARRINGTON, PA 189760362 | AETNA LIFE INSURANCE CO. | $16K | $68K | $84K | 2.80% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC | NORTH THRID STREET WILMINGTON, NC 28401 | AETNA LIFE INSURANCE CO. | $1K | $6K | $8K | 0.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $172 | $13 | $185 | 6.77% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL ACETI | 7804 FAIRVIEW RD #266 CHARLOTTE, NC 28226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | $13 | $70 | 2.56% |
| HAROLD W WELLS & SONS INC3 | 1 N 3RD ST WILMINGTON, NC 28401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | $0 | $44 | 1.61% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 514 | $3.0M |
| Dental | AETNA LIFE INSURANCE CO. | 514 | $3.0M |
| Vision | AETNA LIFE INSURANCE CO. | 514 | $3.0M |
| Life insurance | AETNA LIFE INSURANCE CO. | 514 | $3.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $3K |
| Other | AETNA LIFE INSURANCE CO. | 514 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.